this is one of the reasons why we have been in an environment for the last couple of years where the federal reserve has pushed interest rates were low. you would think that would help to get a mortgage market going, but it has been slow to recover. there are signs of progress here which we could talk about. we are starting to see mortgage writing happening with some pickup in mortgage writing, but it has been a slow recovery, in part because all these different levels of the mortgage writing process, trust everyone of these points broke down during the financial crisis. host: trust as an element of the economy. our guest wrote about it, and you can ask him questions about it. he joins us until 8:30. here are the numbers to reach out to him -- if you want to send us a tweet, @cspanwj. or reach out was on facebook, facebook.com/cs and. if trust as a rebuilding exercise company -- facebook.com/cspan. if trust is rebuilding exercise company -exercise- -- exercise, how do we fix it? guest: we have had some long run at trans which i think are affecting -- trends which i think are affectin